What is SR22 Insurance and Who Needs It?
At some point, it is possible that you may need to have SR22 Insurance. SR22 Insurance is actually not insurance at all, but a certificate that proves you carry insurance and meet your state’s liability requirements. The reasons why you may have to carry an SR22 vary and can include:
- Driving Under the Influence of Alcohol or Drugs
- Too Many Tickets
- Too Many At-Fault Accidents
- Reckless Driving
- Driving Without Insurance
- Driving While Suspended
Who writes SR22 Insurance?
There are several top-rated insurance companies that will write SR22 Insurance. Because we’re an independent agent, we can compare rates between them to find you the best price and coverage for your situation.
Is SR22 Insurance expensive?
Generally speaking, yes you will pay quite a bit more for SR22 Insurance. Because you’re at higher risk and insurance companies base their premiums on risk, your insurance coverage will likely be higher than before you needed the SR22.
What do I do with my SR22 certificate?
You actually don’t have to do anything. Your insurance company will notify the correct departments on your behalf. As long as you pay your premiums. If your coverage lapses, they will notify the state that your coverage has lapsed and you will then no longer be able to drive until you get it reinstated.
How long do I need to have an SR22?
It depends, but often times you will be required to carry SR22 insurance for a three-year period. Check with your local agencies for your specific situation.
Can I add an SR22 to my existing policy or do I need new insurance?
Some insurance companies will not accept a driver who needs SR22 Insurance, so check with your agent. We will be able to tell you whether or not you need a new policy or can simply add one to your existing insurance policy.
We can help you identify a company that can write your SR22 insurance. While many dread having to carry one, we can make it quick and easy and even issue the policy over the phone for you so you can get back on the road. Call our office or request a quote online.
I don’t even own a car! Why do I need SR22 insurance?
This is referred to as non-owners SR22 insurance. The coverage covers the individual with a driver’s license, not a vehicle. Each state varies with different laws so be sure to talk to one of our agents to see exactly what you need.
If you need an SR22 Insurance policy, contact our office and ask to speak with a licensed auto insurance agent. We will make the process quick and easy for you, offering you many choices between companies as well as payment options to help you along the way. Contact us today.